Fidelity Life Insurance: Weight Clause After Two Years?

Fidelity Life Insurance offers a range of policies, including term life, whole life, final expense, and accidental death insurance. While the company does not have a specific two-year weight requirement, it does consider weight as part of its medical underwriting process for certain policies. During this process, applicants may be required to undergo a medical exam, which includes checking weight and height, as well as collecting blood and urine samples. This information is used to assess the applicant's health and determine their eligibility and premium rates. It's important to note that Fidelity Life also offers several no-medical-exam options for individuals who prefer not to undergo a full medical examination.

Does Fidelity require a medical exam for life insurance?

Fidelity requires a medical exam in most instances to better understand your health and provide you with a personalized rate. The exam is conducted by a paramedic professional and can be done at a location and time convenient for you at no cost. You can expect blood pressure, weight, and height to be checked, and blood and urine samples will also be collected.

However, depending on the policy, a medical exam may not be required. For example, Fidelity's RAPIDecision Final Expense policy is ideal for those who do not wish to take a medical exam, but are okay with answering health questions and allowing Fidelity Life to access public health databases to qualify them. Similarly, the RAPIDecision Guaranteed Issue Life policy is ideal for those with pre-existing health conditions as it does not require a medical exam, answering medical questions, or a public database health search.

What is the maximum life insurance coverage from Fidelity?

Fidelity offers a range of term and whole life insurance policies with different coverage limits. The maximum coverage available depends on the specific policy.

For term life insurance, the RAPIDecision Life policy offers coverage starting at $50,000 and maxing out at $2 million. This policy is available to those between the ages of 18 and 65 and can be renewed each year until the age of 95.

The RAPIDecision Senior Life policy is available to adults between the ages of 50 and 70, with coverage ranging from $10,000 to $150,000.

Fidelity also offers whole life insurance policies with maximum coverage of $150,000. The RAPIDecision Final Expense policy is for adults aged 50 to 85 and provides coverage ranging from $5,000 to $40,000. The RAPIDecision Guaranteed Issue policy has a maximum coverage of $25,000, while the RAPIDecision Senior Whole Life policy offers coverage from $10,000 to $150,000 for adults aged 50 to 85.

It's important to note that the availability and specifics of these policies may vary based on your location and other factors. Be sure to review the details of each policy and consult with a Fidelity representative to determine the maximum coverage available for your specific situation.

Does Fidelity offer term life insurance?

Fidelity does offer term life insurance. Term life insurance covers individuals for a specific amount of time, for a predetermined dollar amount. This coverage serves as a safety net for a period of years and can provide financial security to those you love if something happens to you.

Fidelity's term life insurance is available to those 18 years and older, US citizens, and permanent residents of the United States. The term of the policy can be chosen by the customer, with options ranging from 10, 15, 20, 25, or 30 years. The premium is paid monthly, semi-annually, or annually throughout the duration of the policy term. The premium amount is based on the policy value, term, age, sex at birth, and health status.

Fidelity's term life insurance policies are not currently available to residents of New York.

Does Fidelity offer whole life insurance?

Fidelity offers both term and whole life insurance policies. Whole life insurance is a type of permanent life insurance, which means it provides coverage for your entire life. It often has fixed premiums and a guaranteed cash value and payout amount. Fidelity's whole life insurance policies are aimed at people aged 50 and older and have coverage limits of up to $150,000.

Fidelity's term life insurance policies, on the other hand, are available for a specific period of time, such as 10, 15, 20, or 30 years. These policies are available to individuals aged 18 and older and have coverage limits of up to $2 million.

Fidelity's life insurance policies are designed to provide financial security for your loved ones in the event of your death. The company offers a range of policy options to suit different needs and budgets.

Does Fidelity offer universal life insurance?

Fidelity Investments Life Insurance Company offers term life insurance and whole life insurance. Term life insurance covers individuals for a specific amount of time, for a predetermined dollar amount, while whole life insurance is a type of permanent life insurance that covers the insured's entire lifetime. Fidelity's term life insurance policies are available in increments of 10, 15, 20, 25, or 30 years in most states.

Fidelity does not offer universal life insurance. Universal life insurance is a permanent life insurance policy that lasts the entirety of the policyholder's lifetime. It allows the policyholder to adjust their premium payments and how much of these payments go towards the policy's cash value.

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